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List of Top Add-on Covers for Standalone Own Damage Car Insurance Policy

Written by Sharad Bajaj
Updated On Oct 15, 20232 min read

Top 7 Add-on Covers for Standalone Own Damage Car Insurance Policy

In a bid to secure your car, there are three types of car insurance policies available in India. The first one is also the basic one which is known as third-party car insurance. It is compulsory to own but holds a limited coverage of offering where it provides compensation to a third party against their damages sustained due to the involvement of your car. The other car insurance plan is Standalone Own-Damage insurance, which is designed to secure your car by offering financial assistance for its damages and losses. Lastly, comprehensive car insurance is meant to provide overall protection to your car by covering third-party expenses as well as own-damage expenses.

Although, the combination of a third party and standalone own-damage forms a complete protection plan, but still to cope up with some emergency situations an additional cover is needed. The additional coverage can be bought under the Standalone own-damage car insurance policy by investing a little extra premium. To avail of the add-on covers offered by any insurance company, you need to know about them first.

Top 7 add-on covers that are available under the standalone own-damage car insurance plans:

1. Zero Depreciation Cover – With time, every car tends to suffer a depreciation in its value due to which every insurer at the time of claim settlement accounts for depreciation on the parts of your car and pay the claim amount after subtracting the depreciation amount. But with Zero Depreciation add-on cover, no depreciation is taken into account for your car and its parts with which you get a complete amount during claims. It helps you save more money and drive with peace of mind.

2. Roadside Assistance CoverRoadside Assistance add-on cover is the best ally of your car, whenever it breaks down. This coverage holds several benefits under which the most crucial one is the arrangement of a professional mechanic by the insurer who reaches to rescue you whenever your car breaks down. The other benefits under this add-on cover include Towing Service, Minor Repairs, Jumpstart Battery, Spare Keys, Fuel Delivery, Hotel and Taxi Arrangement, and so on.

3. Return to Invoice Cover – The Return to Invoice is an add-on cover that gives compensation for the gap between the Insured Declared Value (IDV) and the invoice value of your car in addition to the registration and a few other applicable taxes. The Return to Invoice add-on cover helps the car insurance policyholders in fetching the purchase value (on the road price) of the car in an event of a theft or total loss sustained by the insured car.

4. Consumable Cover – When a car runs, not just its parts get depreciated, but its consumables also get exhausted. Hence, a consumable add-on cover is designed to cover various consumables of your car such as Engine oil, Nuts and Bolts, Gearbox Oil, Washers, Grease, Oil Filters, Power Steering Oil, Lubricants, AC gas oil, radiator coolant and several other related and similar items apart from the fuel. The consumable cover will cost you a little extra premium to provide you with huge benefits.

5. Engine and Gearbox Protection Cover – The engine is the heart of a car, but it is also the most vulnerable part in the situations of an accident, natural calamity and so on. This add-on covers the damages and losses incurred by the insured car’s engine by compensating the amount of replacement or repair of the car's engine or its parts. The damage could be due to lubricant oil leakage, water ingression, damage to components like the gearbox, pistons, etc., as well as due to hydrostatic lock, caused due to the attempt to start the wet engine.

6. No Claim Bonus Protect Cover – If you own a standalone own-damage car insurance policy, you are eligible to get rewarded with a No Claim Bonus (NCB) during the renewal of the policy for not making any claim in the policy year. The NCB ranges from 20% and increases with every claim-free year to maximum up to 50%. However, NCB Protect add-on cover retains your NCB benefit even if you make a claim. This add-on cover is not valid if you have made a total loss claim.

7. Tyre Cover – Generally, the damage to tyres and tubes are covered only if your car has met with an accident resulting in damage to the tyres and/or tubes, otherwise they are not covered under the Private Car Policy for your car. With the addition of a Tyre Cover add-on cover, you shall be covered for the damages incurred by your car’s tyre(s) or tube(s) without any accident. With this cover, you will be paid for the cost of repair and replacement of tyre and tube damaged due cuts, bursts, bulging of the side wall, flattening of the tyre due to hard braking, etc.

Also, Read

How to Upgrade to a Comprehensive Car Insurance Policy?

Which Is Better Policy - Third Party or Comprehensive Car Insurance?

Complete Guide For Comprehensive Car Insurance


Besides these top car insurance add-on covers, there are many others available which you can avail by paying a little extra premium amount. The knowledge of their working and benefits can help you opt for the right cover for additional security of your car. We hope that detailed information of above-mentioned add-on covers will help you pick a cover for your car easily.


This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
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Written by Sharad Bajaj
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 Sharad is an insurance industry veteran who has managed motor insurance products for over a decade. He helped set up and scale the motor insurance vertical for a leading insurance company in his previous stint. In his spare time, Sharad likes to read and be in tune with nature.

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